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Find the best rates only with Ambak. Looking for the best home loan interest rates in 2025? Here’s a complete list of current home loan rates and processing fees offered by leading banks and housing finance companies in India. This table helps you easily compare loan offers across HDFC, SBI, ICICI, Axis Bank, LIC Housing Finance, and more. Whether you're a salaried or self-employed borrower, use this updated list to make an informed decision and find the most affordable home loan option for your needs.
| Lender | Rates (P.A.) For Salaried | Rates (P.A.) For SENP | Processing Fee |
|---|---|---|---|
| ICICI Bank | 7.9% onwards | 8.05% onwards | 0.25% of loan amt. + GST |
| IDFC First Bank | 8.75% onwards | 8.8% onwards | Below Rs.1 Cr: 1%; Rs.1-3 Cr: 0.75%; Rs.3-5 Cr: 0.65%; Rs.5Cr Above: 0.5% of loan amt + GST |
| Bajaj Housing | 8.2% onwards | 8.3% onwards | 0.3% of loan amount + GST |
| L&T housing | 8.2% onwards | 8.4% onwards | 10,000+GST (incld. login fee) |
| PNB Housing | 7.45% onwards | 7.45% onwards | Special Offer: Zero Processing Fee |
| HDFC Bank | 7.6% onwards | 7.6% onwards | 0.25% of loan amt. + GST (incld. Login Fee) |
| Godrej Housing | 8.45% onwards | 8.75% onwards | 10,000 + GST (incld. Login Fee) |
| Axis Bank | 8.7% onwards | 8.7% onwards | 0.25% + GST (incld. Login Fee) |
| Aditya Birla Housing | 9.05% onwards | 9.05% onwards | Processing Fee: 0.5% of loan amt + GST (incld. Login Fee) |
| Kotak Bank | 8.4% onwards | 8.45% onwards | <50 lakhs: 5000+GST & >50 lakhs: 10000+GST |
| ICICI HFC | 9.3% onwards | 9.3% onwards | - |
| Bank of Baroda | 7.45% onwards | 7.45% onwards | No Processing Fee |
| Bank of Maharastra | 7.35% onwards | 7.5% onwards | Special Offer: Zero Processing Fee |
| Samman Capital | 9.3% onwards | 9.5% onwards | - |
| Vastu Finance | 9.4% onwards | - | 1% + GST |
| IIFL | 9% onwards | 9.5% onwards | 1.5% - 4% + GST |
Specifically designed for building a new house. Loan disbursements are made in phases, matching the progress of the construction.
This loan covers the costs associated with renovating or improving an existing home. Interest rates are generally the same as those for a standard home loan.
Ideal for homeowners looking to extend or add more space to their current home. Lenders usually finance 75% to 90% of the construction costs, depending on the loan amount and LTV ratio.
A short-term loan designed for individuals planning to purchase a new home with the proceeds from selling their current property.